For loans using the new URLA 2020 forms, an issue was resolved that caused checkboxes in some sections of the URLA 2020 input forms to be cleared or selected when a user clicked the text label for a different checkbox on the form. In the example shown below, clicking the self-employed label for the checkbox in the co-borrower section on the 1003 URLA Part 2 would cause the checkbox for the borrower option to be selected or cleared.

The following section of the forms were affected:

• 1003 URLA Part 1 – Military Service

• 1003 URLA Part 2 – Current/Self Employment and Income

• 1003 URLA Part 2 – Additional/Self Employment and Income

• 1003 URLA Part 2 – Previous Employment and Income

• 1003 URLA Part 2 – Income from Other Sources

• 1003 URLA Lender – Property and Loan Information

• 1003 URLA Lender – Mortgage Loan Information

This issue has been resolved. Clicking the text label for a checkbox on the URLA 2020 input forms listed above now selects or clears the correct checkbox.

To maintain the correct formatting for addresses on URLA 2020 forms, the address fields listed below, which display on non-URLA forms, are no longer editable. This change was introduced to ensure that addresses are populated correctly on the URLA forms, which contain separate fields for the Street Address, Unit Type, and Unit #.

• Borrower Current Address (field ID FR0104)

• CoBorrower Current Address (field ID FR0204)

• Borrower Former Address (field ID FR0304)

• CoBorrower Former Address (field ID FR0404)

• Borrower Mailing Address (field ID 1416)

• CoBorrower Mailing Address (field ID 1519)

• Borrower Current Employment Address (field ID FE0104)

• CoBorrower Current Employment Address (field ID FE0204)

• Subject Property Address (field ID 11)

• Loan Originator Address (field ID 319)

Previously, addresses entered on non-URLA forms were copied to the address field on the URLA forms and would require manual adjustment when the address included a Unit Type and Unit #. These addresses must now be entered on the URLA forms. This change reduces the possibility of human error when adjusting addresses that have been copied to the URLA fields from non-URLA forms. Instead, the Street Address, Unit Type, and Unit # from the URLA forms are combined into a single address and entered in the corresponding Address field on non-URLA forms.

On the Verification of Gifts and Grants input form, when the option selected from the Source dropdown list is changed from Other to any other option, the Other Source Description (field URLARGG0102) is now cleared. Previously, when another option was selected, the text entered in the description field would not clear and the field would become read-only.

To match MISMO specifications, there is now an 11-character limit for entries in the Unit # address fields for loans that are using the URLA 2020 input forms. This change affects fields on input forms such as the 1003 URLA (parts 1-4), 1003 URLA – Lender, Verification of Employment, Verification of Mortgage, Verification of Residence, and the Lock Request Form.

The Lender section of the Closing Disclosure Page 5 is now being populated with lender information as expected when the Copy to Lender in File Contacts checkbox (field ID 1969) is selected in a data template that is applied to an existing loan or used to start a new loan. Previously the Lender section remained blank, even though the checkbox was selected.

Workaround Information:

The following workaround was provided for this production issue and is no longer required for Encompass 19.4 and later.

• Click the Copy From 1003 button on the Closing Disclosure Page 5 input form or create a Field Trigger Business rule to populate the data.

Updates have been made to the Appendix Q tab on the ATR/QM Management input form to support changes in the way other liabilities and expenses are handled for loans using the new URLA 2020 forms. These changes are only visible on the ATR/QM Management input form for loans that are using the new URLA forms. The changes are not applied to the input form for loans using the pre-2020 URLA forms.

In the Debt/Obligation Analysis section, the liabilities and expenses fields shown below have been removed. The Encompass field ID for the fields are shown in red font.

This section has been replaced with the fields shown below, which are used for liabilities and expenses on the URLA 2020 forms. This new section includes a Show All Other Liabilities button, which opens the Verification of Other Liabilities pop-up window. The Encompass field ID for the fields are shown in red font in the image below.

Additionally, because the fields on the Appendix Q tab are not appropriate for use in predefined templates, the Appendix Q tab has been removed from the Data Template setting in the Encompass settings.

The label for the first checkbox (field ID URLA.X119) at the top of the To be completed by lender section on the 1003 URLA Part 1 has been changed from Print ULI on URLA to Print ULI/NULI on URLA to make the label consistent with the checkbox at the top of the 1003 URLA - Lender input form.

On the Fee Variance Worksheet tool, the label for the first line in the Items that Cannot Decrease section has been changed from Form 1003 Sec. L Lender Credits to Form 1003 Lender Credit. The new label omits the section number so that the tool is accurate for both the old and new URLA forms. The lender credits are now in section M on the new URLA 2020 forms.

When configuring Data Templates in the Encompass settings, the buttons listed below are now disabled on the new URLA 2020 input forms in the template to prevent data entry for the fields accessed via the buttons.

In the property type dropdown lists for borrower and co-borrower in section 5a of the 1003 URLA Part 4 input form, the option for Secondary Residence has been changed to Secondary Home to match the terminology used in the declaration.

The checkboxes that indicate whether assets and liabilities were completed Jointly or Not Jointly (field ID 181) have been added to the header at the top of the 1003 URLA Part 3 input form for loans that are using the new URLA forms. Only one checkbox can be selected at a time.

In Data Templates, both checkboxes are cleared by default on both the new 1003 URLA Part 3 and the old the 1003 URLA Page 2. Previously the Jointly checkbox was selected by default for the 1003 URLA Page 2.

The following updates have been made on loans using the new URLA forms to enable underwriters to view accurate amounts for total assets and liquid assets that display on forms such as the Borrower Summary – Origination, Borrower Summary – Processing, and Underwriter Summary:

• Total Assets (field ID 732) now includes the cash or market value of all Verification of Other Assets (VOOA) entries for loans where the loan version is URLA 2020.

• Total Liquid Assets (field ID 915) now includes the cash or market value of all Verification of Other Assets (VOOA) entries listed below.

  • Bridge Loan Not Deposited (FHA/VA)

  • Cash On Hand

  • Earnest Money

  • Lease Purchase Fund

  • Proceeds From Sale of Non Real Estate Asset

  • Proceeds From Secured Loan

  • Proceeds From Unsecured Loan

  • Other - Other Description of Other Liquid Asset

• Both Total Assets and Liquid Assets now exclude amounts from the following fields when loans are using the new URLA forms, but still include the amounts when loans use the URLA 2009 forms.

  • Cash Deposit (field ID 183)

  • Cash Deposit (field ID 1716)

  • Stocks and Bonds (field ID 1605)

  • Stocks and Bonds (field ID 1607)

  • Stocks and Bonds (field ID 1609)

  • Life Insurance (field ID 210)

  • Vested Interest in Retirement Fund (field ID 212)

  • Net Worth of Business Owned (field ID 213)

  • Automobile (field ID 215)

  • Automobile (field ID 217)

  • Automobile (field ID 1718)

  • Other Asset (field ID 222)

  • Other Asset (field ID 224)

  • Other Asset (field ID 1053)

  • Other Asset (field ID 1055)

Due to a misspelling in the Fannie Mae Desktop Underwriter (DU) XML option for the Accessory Unit Income value, the value in this field was being captured incorrectly on the Verification of Other Income input form in Encompass for loans using the new URLA forms. Instead of importing the income with an Income Source (field ID URLAROIS0118) of Accessory Unit Income, the income would be imported with an Income Source of Other with Accessory Unit Income populated as the Other Description. This Issue has been resolved and the typo is now adjusted for when importing the value into Encompass.

To comply with GSE guidelines, the following changes have been made to the location of the Total for Gifts and Grants field (field ID URLA.X150) and the following calculations that use the field amount. These changes affect loans using the new URLA forms.

• The Total of Grifts and Grants field has been moved from line M2 in section L4 of the 1003 URLA – Lender and now displays in section 4d on the 1003 URLA Part 4.

• The remaining entries for lines M3-M7 on the 1003 URLA – Lender have been renumbered as lines M2-M6.

• The label for line M on the 1003 URLA – Lender has been updated to M. Other Credits (Total of M1 to M6).

• The calculation for M. Other Credits (field ID URLA.X149) and N. Total Credits (Total of L and M) have been adjusted to exclude the Total of Gifts and Grants amount.

No changes have been made to the calculation of the Total Gifts and Grants amount (field ID URLA.X150).

Section M on 1003 URLA -Lender (Pre-Encompass 19.4)

Section M on 1003 URLA -Lender (Encompass 19.4)

New Total Gifts and Grants Location on the 1003 URLA – Part 4

Some users experienced an issue where the Actual Receipt Dates for Loan Estimates and Closing Disclosures (CD) were not being populated when these disclosures were being sent prior to the borrower providing consent to receive and sign disclosures electronically even if the consent and receipt occurred on or before the CD Due Date. This issue has been resolved for CD’s that are sent electronically so that these individual Disclosure Tracking entries reflect the actual receipt of the CD as follows:

• The Borrower and Co-borrower Actual Receipt Dates are populated if consent is obtained after disclosures are sent so long as either the borrower or co-borrower provides consent and accesses the disclosure package on or before the CD Due Date. This is new logic being introduced in this release.

• The Actual Receipt Date will be left blank if either the borrower or co-borrower do not access the disclosure.

Again, these updates address the issues with CDs disclosed electronically only. Disclosures sent by any other method (for example, in person, by mail, other, etc.) will persist as they do today.

In Encompass 19.1, the system was updated to enable values to be manually entered into the Closing Disclosure (CD) Page 1's Changed Circumstance field (CD1.X64) once the Changed Circumstance checkbox (field ID CD1.X61) was selected. However, in Encompass 19.1 and subsequent Encompass releases, the CD1.X64 field was not enabled for manual entry. This issue has been resolved so that users can now enter values in this Changed Circumstance field on the CD Page 1.

An issue was resolved that cause extra fields, including an extra Balance amount, to be listed on the Payoffs & Payments pop-up window on the Closing Disclosure Page 3 input form when the Delete icon on the upper-right of the window was used to delete an entry. Immediately after deletion, the entry would no longer display on the pop-up window, but the next time a user opened the window, an additional row would display at the bottom of the list. This line contained the Balance amount and other fields from the entry that previously occupied the same row on the table. The additional amount field would also be included in the Total Payoffs and Payments amount on the pop-up window and in the VOL (Verification of Liabilities) input form.

For example, in the window show below, the second entry is being deleted using the Delete icon on the upper-right.

When the window was reopened, content that previously occupied the last row in the list still displayed even though the entry was deleted. In this example, the content included a $555.00 balance amount from the entry that previously occupied this row. That amount was being included in the Total Payoffs and Payments amount.

The Payoff Amount would also continue to display in the VOL, even though the record for the record the for the deleted entry.

This issue has been resolved and all data from the deleted entry is now removed from the Payoffs and Payments pop-up window and the VOL input form.

An issue was resolved that caused the File Starter field on Milestone Worksheets to be blank for imported FNMA 3.2 (old URLA) or MISMO 3.4 (new URLA) loan files when applying a Loan Template Set that included the default Milestone Template. This issue has been resolved and the File Starter name is now populated as expected when importing FNMA or MISMO loan files and applying a Milestone Template.

Workaround Information:

The following workaround was provided for this production issue and is no longer required for Encompass 19.4 and later.

• In the Milestones setting, create a copy of the default template. Then open the Loan Templates Set setting and replace the default Milestone Template in the set with the new Milestone Template.

An issue occurred where the Loan Mailbox was indicating that loan applications were available to import, but there were no new loan applications in the Loan Mailbox. This issue has been resolved and the Loan Mailbox indicator (shown below) now displays accurately.

An update was made to the calculation for the In 5 years Total you will have paid amount (field ID LE3.X17) that displays in the Comparisons section on the Loan Estimate Page 3 input form. This amount now includes any prepaid mortgage insurance payments entered on line 902 of the 2015 Itemization input form.

Workaround Information:

The following workaround was provided for this production issue and is no longer required for Encompass 19.4 and later.

• Click the Lock icon next to the In 5 years Total you will have paid field and enter the amount manually.

An issue was resolved that caused the Late Fee (field ID 3876) and the Total Late Payment (field ID 3877) to populate with a value that is one cent (0.01) lower than it should be when the Minimum Late Charge (field ID 2831) was within the range of 1.13 to 1.16. This issue has been resolved and the late fee amounts are now calculating as expected for Minimum Late charges within the specified range.

Watch a Video About This Fix!

For FHA Purchase transactions, the Down Payment amount (field ID 1117) on the FHA Maximum Mortgage and Cash Needed Worksheet is now populating as expected. The Down Payment amount is now populated with the lower of the following two values:

• The Statutory Investment Req amount (field ID MCAWPUR.X2)

• The Contract Sales Price (field ID MCAWPUR.X12) plus the Borrower FHA Closing Costs (field ID 1132) minus the FHA Mortgage Amount (field ID MCAWPUR.X14).

Previous the field was being populated with the larger of the two amounts. This issue has been resolved and the correct Down Payment amount is now being populated.

(Updated on 11/6/2019)

Two changes have been implemented to address situations where co-borrowers on an Encompass Consumer Connect loan could mistakenly access electronic packages intended for the other borrower. These changes apply when sending eConsent requests, document requests, initial eDisclosures, pre-closing packages, and Status Online updates, or when using the Send button in the eFolder to send files to borrowers for Encompass Consumer Connect loans created after upgrading to Encompass 19.4.

• Encompass users are no longer allowed to enter the same authorization code for co-borrowers on an Encompass Consumer Connect loan. When an Encompass user enters an authorization code that was already entered for one of the co-borrowers, the following error message now displays. The Encompass user must enter a unique authorization code for each recipient before completing the request, eDisclosure, or update notification.

  

• To make it easier for co-borrowers to immediately identify the intended recipient, the subject line of the email notification for the request, eDisclosure, or update notification now includes the name of the intended recipient as a prefix.

The recipient’s name is added to the subject line after the package is sent and is not visible to the Encompass user from the eFolder Send windows.

An issue occurred where users with limited access to the new URLA 2020 input forms could still access a new URLA 2020 form. Specifically, if the administrator had a set up a user’s persona so that they could only access one section of the new URLA 2020 form (for example, the 1003 URLA Part 1) and the Change URLA Form Version toggle, the user could bypass these Persona restrictions by opening a 1003 input form (for example, the 1003 Page 2) and then selecting the Form > URLA Form Version > URLA 2020 option to switch to the new URLA 2020 forms. After making this switch to the new forms, only the new URLA 2020 form that the user had permission to view was listed in the Forms list as expected (for this example, the 1003 URLA Part 1), but the new URLA 2020 version of the form that the user had selected when viewing the 2009 version of the URLA forms displayed for the user as well (for this example, the 1003 URLA Part 2 displayed since the user was viewing the 1003 Page 2 before switching to the 2020 version of the URLA forms). This issue has been resolved so that only the new URLA 2020 forms that the user is intended to access (based on their persona settings) are accessible to the user.

When the four ARM adjustment fields shown below are included in a Loan Program template, the data for these fields is also copied to the corresponding ARM fields on the ULDD/PDD input form. The mapping takes place when the fields, which display on forms such as the RegZ-LE and RegZ-CD, are populated from a Loan Program template or from a Loan Template Set that includes a Loan Program template.

An issue occurred with custom input forms and the Default Input Forms setting. After setting up a Default Input Forms list where one or more custom input forms was placed at the top of the list of forms (i.e., above standard input forms), the list could be added to an Input Forms Set (in the Loan Templates setting). But when the loan template including this Input Forms Set was applied to a loan, the custom forms were located at the bottom of the Forms tab’s list. This issue has been resolved so that the forms are listed in the same order in the loan as configured in the Default Input Forms list.

When System Audit Trails expire out of the Encompass database, they are exported to a CSV file for long-term storage. The CSV files being created were incorrectly formatted and did not comply to the RFC4180 standard. Specifically:

• Single quotes are being used to enclose each value instead of double-quotes
• In some cases, quotes within the field values are not properly escaped (i.e. "" -> """")

Because of these formatting issues, tools that consume CSV were unable to parse and read these files reliably. Updates have been made to ensure newly exported CSV files (starting in Encompass 19.4) are formatted correctly and in compliance with the RFC4180 standard.

The Description fields in the Encompass Reporting Database have been updated with the correct descriptions for the HMDA reporting fields listed below. These fields display in Encompass in the Information for Government Monitoring section that display on forms such as the HMDA Information input form:

• The dropdown list indicating whether the co-borrower’s sex was determined based on visual observation or surname (field ID 4134)
• The co-borrower No co-applicant checkbox in the Ethnicity section (field ID 4188)
• The co-borrower No co-applicant checkbox in the Sex section (field ID 4189).

The descriptions in the database are updated only when the three fields listed above are added to the database after the Encompass 19.4 release.

If these fields were already added prior to the Encompass 19.4 release, your Encompass administrator has two options for updating the descriptions:

• The recommended best practice is to open the reporting database, double-click fields 4134, 4188, and 4189 in the Selected Fields panel, and then manually update the Description field for each field. This option takes effect immediately.

  

• The other option is to delete the fields from the Encompass Reporting Database and then add them back. This option requires that the database be repopulated with loan data, which can take a significant amount of time, depending on the amount of data being repopulated.

The Loan Number (field D 364) is now being assigned as expected when a loan processor imports a FNMA 3.2 loan file when the Create New Loan # on Import option is enabled in the Server Settings Manager in the Encompass Admin Tools. Previously, the Loan Number was being assigned and then reassigned when the loan file was imported, causing the loan number to increment by two values rather than one value. For example, a loan number would initially be assigned as 1904EM000027 and would then be reassigned as 1904EM000028. Because the ULI (universal loan identifier) for the loan was assigned only once (when the first loan number was generated) the Loan Number would be out of sync with the ULI. This issue has been resolved. The Loan Number is now assigned as expected and is in sync with the ULI.

Workaround Information:

The following workaround was provided for this production issue and is no longer required for Encompass 19.4 and later.

• On the HMDA Information form, click the Calculate ULI button to regenerate the ULI number.

An issue occurred when one or more fees were removed from the Charges that in Total Cannot Increase More Than 10% category (either the fee was deleted or moved to the Charges that Cannot Increase section), the Legal Limit (Net Baseline + 10%) field was not updated based on the remaining fees. As a result, if the remaining fee(s) increased above the Legal Limit, Encompass was not triggering a Good Faith Fee Variance Violated alert as expected. In addition, when the loan was submitted to an Encompass Compliance Service review, a FAIL message is returned due to the service applying the updated Allowable Charges.

This issue has been resolved so that the Legal Limit (Net Baseline + 10%) value is now updated accordingly based on the remaining fees in the Charges that in Total Cannot Increase More Than 10% category.

An issue occurred for users starting a new loan file where clicking the label for a checkbox on an input form resulted in an unrelated checkbox being automatically selected. If the original checkbox's label was clicked again, then the unrelated checkbox would be automatically cleared, and so on. For example, if you clicked the Sync with Prepaid Interest Date checkbox label (field ID 2852) on the RegZ-CD input form, the Buydown checkbox (field ID 425) on this (and other) input forms would be automatically selected. Clicking the Sync with Prepaid Interest Date field label again resulted in the Buydown checkbox being automatically cleared. This issue, which occurred with multiple checkboxes, has been resolved for all impacted fields. Clicking a checkbox field label no longer impacts other checkbox fields.